RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

School's In Session: Is Your Backpack Safe?

August 27, 2015 12:24 am

According to the American Academy of Orthopaedic Surgeons (AAOS), backpacks can be a source of injury if not worn correctly. “The effects of carrying an overloaded backpack should not be taken lightly,” says AAOS spokesperson Afshin Razi, MD. “Injuries to the muscles and joints can lead to sevee back, neck, and shoulder pain, as well as posture problems that can take weeks or months to heal.”

With the start of a new school year upon us, the AAOS recommends lightening the load with these tips:

• Use both shoulder straps to keep the weight of the backpack better distributed and adjust the shoulder straps to keep the load close to the back. Depending on the student’s commute and accessibility of school, roller or crossbody bags can be good alternatives.

• Remove or organize items if too heavy and pack the heavier things low and towards the center. When lifting backpacks, bend at the knees.

• Carry only those items that are required for the day. If possible, leave books at home or school.

• At home and at school, keep walkways clear of backpacks to avoid tripping over them.

• Don’t ignore numbness or tingling in the arms or legs, which may indicate poor fit or too much weight being carried.

• Purchase a backpack appropriate for the size of the student.

• If you’re a parent, purchase a backpack appropriate for the size of the student. Observe your child put on or take off the backpack to see if it is a struggle.

• Encourage your child to stop at their locker throughout the day, as time permits, to drop off heavier books.

Source: American Academy of Orthopaedic Surgeons

Published with permission from RISMedia.


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Homeowners Insurance Lessons 10 Years after Katrina

August 27, 2015 12:24 am

Ten years after the costliest hurricane in U.S. history, Hurricane Katrina is being remembered for its devastating toll on residents in six coastal states. Insured losses totaled over $41 billion and underscored the importance of recognizing the risk of and planning for natural disasters, according to the Insurance Information Institute (I.I.I.).

The following four key lessons from Hurricane Katrina can help homeowners build a preparedness mindset that will stand as a defense against severe weather threats.

1. Consider Purchasing a Flood Insurance Policy

A key lesson learned from Katrina was that neither a home nor a renters insurance policy covers flood damage. Yet, according to a recent I.I.I. poll, only 13 percent of American homeowners have a flood insurance policy.

Since 1968, flood coverage has been available from the National Flood Insurance Program (NFIP). It is also sold by some private insurers. Talk to your insurance professional to make sure you have enough insurance to replace your personal possessions and rebuild your home.

The maximum amount of NFIP coverage available to homeowners is $250,000 for the home and $100,000 for the home’s contents. For higher coverage levels, ask about excess flood insurance from private insurance companies.

2. Keep an Up-to-Date Home Inventory

An inventory of personal possessions makes it simpler to purchase the right amount of coverage, as well as making the claims filing process easier and more accurate. It can also be helpful when filing for financial assistance after a disaster.

3. Have an Evacuation Plan

In the event of a disaster, there may be only hours to evacuate. In order for an evacuation to go smoothly when a storm is imminent, it is important to plan and practice in advance. Have emergency supplies, including medicines, extra clothing, comfort items and important papers gathered and ready to go. Knowing where to evacuate to and the planned route is equally important. And be sure to take into account any special accommodations that need to be made for elderly relatives, a family member with special needs or pets.

4. Take Steps to Protect Property

Strengthening the roof, windows, doors and protecting all openings are important steps in safeguarding both the structure of a house and its occupants.

Source: I.I.I.

Published with permission from RISMedia.


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